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never seems to work

August 24th, 2011 at 02:52 pm

I have been trying to get ahead but life keeps getting in the way (both ours and other peoples). My DH doesn't want me to get a job and I can see that I really wouldn't make that big a difference on bills doing it at minimum wage. However I am going to try the home party plan. If I can take one evening a month and do a party I can hopefully make a few hundred a month. I will save it and then put it on the bills as I get enough to pay one off. That way we will have an emergency fund or a moving fund and can hopefully pay off some credit cards.

Bills Bills and more bills

March 1st, 2011 at 05:53 am

We all, managed to get the credit cards down to "only" 3 with balances. The balances are scarey with one being almost to the limit. Another is over the limit but I didn't do that. Ah well I'll be the one paying it anyway. I am trying to stay within our means but it took a hit when the car died and we had to get a "new" one. We had to put the down payment on the card. The car company had us over a barrel and I'm still not sure we made the right decision We owed too much on the old one to have a lot of bargaining room. Now our payment is higher than the house payment, something I said I'd never do. Sigh. Still paying more than I have to on two of the cards in the hopes I can get it taken care of in a reasonable amount of time.

ON track

October 27th, 2010 at 12:04 pm

Writing things down seemed to help me get back on track. I have written down (roughly) how much we owe (big number) But this month (November) will be the second month in a row I have paid off one credit card. Next month a third will add to the paid off list. The last 3 will take alot longer! I am debating if I want to consider a 5 year consolidation loan or just do this myself. I think it would be better for our credit if I do it myself. It means some sacrifices I don't want to make (not traveling to see kids for awhile) but we have to get going on debt. My DH has applied for a transfer and there is no way we can afford to move if I don't get this cleared up without racking up more debt on a card. If this goes as planned I will have only 2 cards to pay off in 6 months (May 2011) I am going to try to find ways of saving money to build up the saving while we do this. I am paying an extra 500 a month on the credit card "du jour" every month to accomplish this and minimum on the big one and a 100 on the other (s). It would be easier if we didn't have to take short weekend trips every month (hotels and gas eat it up) However we'll make it. I just worry if this house doesn't sell (needs alot of work) when and if the transfer comes thru. I'm trusting the Lord to work things out on that. If he provides the transfer (which in the long run would save a mint) then he'll figure out the house thing.

Piano

October 7th, 2010 at 05:54 am

Last year we rented a piano. We had planned on buying it when the year was up. The year is now officially up and we are returning it. I have enough day to day stuff to yell at my kids about without having to add practicing the piano. It was an expensive experiment. I spent $400.00 to find out they are not going to practice unless I make them. I'd rather find a free piano on freecycle for that. So now that the piano is going to be out of the way I think I will make that room it is in into something useable instead of a clutter room. I feel guilty to have a room that I don't have to use for something especially since it has an attached bath. I know many other people who have not enough space. Now to decide what to turn the room into. No one visits so don't need a guest room. Was thinking of a sewing/craft room or I could move the schoolroom downstairs and make that area something else but I just decorated it and really don't want to change. Can't move our bedroom downstairs, might not hear the kids if they need me in the night (and they usually do) This is a really fun "problem" to have.

Decluttering

October 4th, 2010 at 02:21 pm

I have been thinking of the idea of spending 30 minutes a day decluttering and 30 minutes a day cleaning a room. i tend to pick big projects rather than little bites then rest on my laurels for way too long. Maybe this would work better.
I have also been thinking of remodeling the bathroom downstairs on my own. Not sure I am up to it but you never know. Certainly can't afford to hire someone to do it!

Back Again

October 4th, 2010 at 02:16 pm

Somehow I never seem to be real consistent with this blog. Lack of consistency is the story of my life!! i have been feeling guilty lately for all the time I don't spend cleaning. We recently had the chance to host an evangelist and chose to take him out. Well that isn't the only reason, being vegetarians we rarely invite people over to eat. There is no way I am going to invite someone over right now for anything. With DH still in recovery mode I just can't seem to get inspired to clean like I should. Not inspired to lose the weight like I should either. I am inspired to save tho! I am trying a method of paying off one credit card while making a bit above minimum on the others. As they get paid off I will add what I was paying to the next one. Should get us out of debt except for the house and car in a couple years. In the meantime I am trying to plan a trip across Route 66 and a couple visits to see grandkids and our great grandkid. Doctor's bills are slowly getting paid as well. As that goes away we have a bit more breathing room in our budget which makes it easier to stick with the credit pay back program.
I have always said that I want to move (and I do) because it is a 2 day drive to see family. i have lately been realizing how blessed we are to have a job where DH boss is understanding of his medical needs and where the mortgage isn't astronomical. I think I will start enjoying this house as much as I am sad to be so very far away from the kids.

And so it continues

August 23rd, 2010 at 09:35 am

I have been tweaking our budget. We need to stick to one better and eliminate our credit card debt. We pay a fourth of our income to credit cards every month and I want to eliminate that. We pay a bit more than the minimum but still I need to pay them off. We are trying to keep our bills down to our income but it is challenging. I have a new budget which should help. We are also going to try to save more every month so visiting kids doesn't run up our debt even more. We also have a mortgage and car payment. We pay a bit more on those every month too. I am getting worried about our 5 year old van. It has alot of miles and we still owe alot of money on it. The house is in an area where lots of houses are going up for sale so am a bit concerned there too. We want to move closer to the grown kids so it is less expensive to visit (and we can do it more) but not sure if the house would sell, if we could even find a job.
I wish I could come up with a way to make money to help with all this. I am a SAHM with no income. No idea how to make money here but with my semi reasonable amount of intelligence I should be able to.
Sigh

Credit Card

March 26th, 2010 at 12:08 pm

We did end up getting the credit card, I will pay 200 a month with no interest for a year and it will be paid off. Decided that made more sense than letting a card with interest continue to hold a balance. This way we can pay stuff off faster and pay less interest. Right now we look to be debt free (except for the mortgage) in the next 3 years. I hope I never get into debt again!! Actually this isn't as bad as all that. We are probably holding less debt than most people especially if you consider that most of it is the car.

spent alot

March 23rd, 2010 at 11:09 am

It could be worse however!! I checked with a friend who does construction for a living and he said he wouldn't tear out all the cabinets and reinstall them for the pice I was quoted so I am happy there. I walked around Menards for hours the other day, picking out my kitchen. I bought:
dishwasher 289.00
Sink 178.00
Cabinets 1309.15
Countertop 138.77
wall panels 135.20
backsplash 161.82
outside door 149.00
storm door 144.00
door frame 10.99
adhesive 45.36
knobs 66.40
screws .28
seam tape 23.97
light fixture 39.98
door know 47.92
paint 15.97
rollers 8.03
for a total with labor (2500) of 5364.84
i will also have to pay for the plumbing materials to attach the dishwasher and the materials to install 2 more electrical circuits. Now to start moving stuff so I can paint (ceiling) before the work starts. The counter was the only thing not in stock and should take 3 weeks to come in. Should be an interesting April!! I also bought a mini wrecking bar (under 3.00) so my 6 year old can help take stuff out.

Credit

March 18th, 2010 at 08:58 am

We are considering getting a credit card for the remodeling stuff because the deal is no interest for a year. I do have the discipline to pay it off in a year and that way I can pay off one of our other credit cards completely (which would reduce the number we carry a balance on to 1. We have one for auto payments and one for use that gets paid off every month as well) i get upset with us because of the balance on one of the credit cards plus the balance still on the van but really we are doing ok. If we ignore the credit card with the biggest balance and pay 600 a month we will have it paid off in 3 years. I did use it for DH birthday present but then I promptly cut a check for the amount to make up for it. We are only in month one of ignoring it,35 to go!! The car is going slowly but in three years I may add some of what I have been paying that credit card and pay it off faster. The rest will go onto the house payment. As the years go by I hope to have it all remodeled by the time the 35 months are up. The kitchen is the biggest. Next we will do small jobs like the living room ceiling or the painting. I have some outside work to do too. Someone offered to move the brush in the back yard for 40 dollars but I think I can do it and then put the 40 into the emergency fund. Our emergency fund took a hit when the part of the tree blew down and we had to have the rest removed. It isn't even a month right now but we do add to it every month automatically.

Today's the day!!

March 18th, 2010 at 08:50 am

I am so excited, I get to go to Menards and get all the stuff(or order it) for my kitchen remodel. They came and measured yesterday. I can't wait!!!

Long time no blog

March 15th, 2010 at 02:54 pm

It has been a bit shy of a year since my last entry. Life got real busy and facebook got real fun!!
As I prepare to remodel the kitchen however I decided to start blogging about the financial part of it. We are on a low budget for this as for anything we do. Our income tax check provided the money to do the kitchen and pay off one fo the credit cards we thought. That was of course before our DIL got stuck in AZ with her eldest and needed a bit of a hand. Ah well, at least it wasn't money earmarked for bills. So less of a budget and some rearranging of priorities. No regrets on how we spent the money tho. We are going to replace the cabinets, install a dishwasher, panel walls, put in a new counter, sink, faucet, 2 windows, back door, screen door, and paint the ceiling and replace the linoleum with a rug all for under 5500. Like I said small kitchen. I am going to take before and after photos too. I got two estimates. They were within 250 of each other. We went with the lower one because he is by far the more professional of the two. Besides he says he can put in a standard 32 inch door instead of my paying 600 for a "special" door. So 2500 is the estimate tear out what's there and install new. I am buying off the shelf cabinets although I am not staining them myself. i could save around 400 by staining them myself but I think doing that to 9 cabinets (with the help of a 5 and 6 year old) sounds like a nightmare. Besides the end goal is to sell the house so predone is probably a better option (my painting skills are a bit lacking). I am however painting the ceiling my self. I will post more as I spend more!

Never a dull moment

May 30th, 2009 at 04:17 pm

I have found some amazing facts lately. Rabbits can be impregnated on the day they give birth. I discovered this because when I went to feed the rabbits today I found myself flashing back to a month ago when I had first found baby rabbits in a nest. We gave them away last weekend (only 2 had survived). I had removed the male the day I saw her give birth. It was less than an hour I swear!!! Apparently she gave birth last night to 7 more babies. I removed "Dad" again. This time I am sure the nightmare is over. We had Dad fixed a couple weeks ago and had an appointment to have her fixed next week. The vet is going to laugh at me sooooooooo hard. Anyone need a baby bunny? They should be ready in late June!

Garage sale finds

May 18th, 2009 at 08:53 am

We did really well at the garage sale this last Saturday. We found a wagon sans handle for free that we can jury rig a handle for the kids to enjoy. We bought 2 doors for $5 each and now there is a door on my bedroom and will soon be one on our upstairs bathroom. i have had those doors measured and looked at by professionals. They are a special size (read that old house) and cost a mint. All DH had to do was saw off a small pice at the bottom of each door. At the same place I bought jeans for DS2 2 pr for 75 cents and a dresser for him for $5.00. By now th ecar was pretty full but that didn't stop us. I got a set of pictorial history books of the US for 3.00 that DS2 loves, and the kids bought a couple toys for themselves with allowances. DH got some toy cars for geocaching (10 or so for $1) that are in great shape. I got a copy of a frames Biblical ABC for DD2 for $1.00. DS2 has one that his aunt gave him that cost her quite a bit more.
All in all a great day of finds. To top it off we made one more stop where I found the item of my dreams. A working spinning wheel for $75.00. I got it for $60.00. It is something I have always wanted and sells for quite a bit more. Now to learn to spin!

garage sale

May 14th, 2009 at 09:25 am

This Saturday is the annual community garage sale and I can hardly wait. I feel like I've been having a chronic case of cabin fever for weeks. I am planning to be very careful tho since I would really like to pay off everything we owe with the exception of the house and car. The thought of paying them off right now is overwhelming. I hope to pay off the credit bill and then we'll see about the car. I have been pretty good this month about putting money on the bill from Florida. It will be finished next month without a problem. Then we will owe 2 cards. Plus the one I use for incidental purchases. Wish I had a paypal card to use for that since I have money in my account.